Market insights
What the data says about manufactured home communities, lending and ownership.
Lenders › UMB BANK NA
UMB BANK NA
2025 manufactured home lending from public HMDA data.
Loans originated (2025)
15
+15.4% vs 2024Originations
$1.5M
Loans x average loanAverage loan
$98,333
Average interest rate
6.07%
Denial rate
38%
Home only share
0%
Year over year
| Year | Applications | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|---|
| 2025 | 32 | 15 | $1.5M | $98,333 | 6.07% | 38% | 0% |
| 2024 | 20 | 13 | $585,000 | $45,000 | 7.08% | 20% | 0% |
Lending by state (2025)
| State | Loans | Originations | Avg loan | Avg rate | Denial rate | Home only |
|---|---|---|---|---|---|---|
| MO | 7 | $905,000 | $129,286 | 6.8% | 30% | 0% |
| NM | 5 | $365,000 | $73,000 | 4.85% | 14% | 0% |
| KS | 2 | $100,000 | $50,000 | 7.12% | 33% | 0% |
| CO | 1 | $105,000 | $105,000 | 4.99% | 50% | 0% |
Data source: Home Mortgage Disclosure Act (HMDA). Public annual data from the FFIEC and CFPB, loans reported with a manufactured home construction method. Informational only, not a recommendation of any lender.